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425 Gregg St, Albany, TX, 76430

3beds
2baths
1,288sqft
$234,000
$182price/sqft
$2,418/moest. monthly cost
$96,720/yrincome needed

About This Home

This three bedroom, 2 bath home sits on an oversized lot with privacy fence and nice pecan trees. Inside charm includes wood ceilings, bead board walls, original wood floors, and an open concept living, dining, and kitchen area. For your outside enjoyment it has a comfortable front porch plus a 600 square foot partially covered deck overlooking a large backyard. Other features are tankless water heater, concrete counter tops, knotty alder kitchen cabinets, improved electrical, plumbing, and windows. It also includes an outside storage room that is insulated and low maintenance siding. This property is a unique opportunity for someone looking for a great mix of charm and location.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

7/10
6/10
Albany Jr-Sr High SchoolGrades 7-120.3 mi

Construction

Condition

  • Year built: 1928

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Gas Range,Microwave,Refrigerator,Tankless Water Heater,Vented Exhaust Fan
  • Laundry features: Dryer Hookup,ElectricDryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eat-in Kitchen,High Speed Internet,Open Floorplan,Pantry,Natural Woodwork,Walk-In Closet(s)
  • Flooring: Wood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,288 sqft

Living Room

  • Level: First
  • Dimensions: 15 x 15

Master Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 14 x 11

Property

Details

  • Parcel number: 14376

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Front Porch,Covered
  • Exterior features: Outdoor Living Area,Storage

Lot

  • Lot size: 0.38 Acres

Parking

  • Parking features: Driveway,Gravel,Storage

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hail
    HailVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Wildfire
Winter Weather
Cold Wave
Drought
Heat Wave
Inland Flooding

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,183$14,196
Home Insurance *$601$7,212
Property Taxes $396$4,752
Electricity $238$2,859
Total$2,418$29,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,902/yr
40% on housing$72,540/yr
45% on housing$64,480/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -14.6%
-14.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 76430$156
Shackelford County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 76430
Shackelford County$95

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-31Listed for sale$234,000
2022-05-04Listing removed--
2022-03-17Pending sale$212,000
2022-02-09Listed for sale$212,000
2021-10-15Listing removed--
2021-07-17Listed for sale$224,000

For Sale by Agent

AgentBillie Ruff
BrokerageClear Fork Realty

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